First Southern National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Southern National Bank of Lancaster, KY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.08% | 1.46% | -1.38% | 4th bottom |
| ROAE | 0.72% | 12.72% | -12.00% | 3rd bottom |
| Net Interest Margin | 5.07% | 3.85% | +1.22% | 95th top |
| Efficiency Ratio | 59.34% | 57.40% | +1.94% | 47th below |
| PPNR / Avg Assets | 2.22% | 1.88% | +0.34% | 79th top |
| Yield on Earning Assets | 5.87% | 5.72% | +0.15% | 69th above |
| Cost of Funds | 0.87% | 2.02% | -1.15% | 97th top |
| Net Interest Spread | 4.77% | 3.18% | +1.59% | 97th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 1.00% | -0.50% | 58th above |
| NPA / Total Assets | 0.34% | 0.76% | -0.42% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans | 1.71% | 1.31% | +0.40% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 340.10% | 543.45% | -203.35% | 73rd above |
| Texas Ratio | 4.01% | 7.39% | -3.38% | 56th above |
| Provision / NCO | 884.86% | 618.45% | +266.41% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.33% | 17.34% | +0.99% | 88th top |
| Tier 1 Ratio | 18.33% | 17.37% | +0.96% | 88th top |
| Total Capital Ratio | 19.58% | 18.42% | +1.16% | 88th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.85% | 11.44% | -0.59% | 58th above |
| Equity / Assets | 11.61% | 11.33% | +0.28% | 70th above |
| TCE / Tangible Assets | 10.51% | 10.50% | +0.01% | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.01% | 86.96% | -15.95% | 84th top |
| Core Deposit Ratio | 95.65% | 85.55% | +10.10% | 88th top |
| Uninsured Deposit Ratio | 30.47% | 33.12% | -2.65% | 52nd above |
| Wholesale Funding Ratio | 0.14% | 5.71% | -5.57% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.55% | 9.68% | -6.13% | 39th below |
| Loan Growth (Y/Y) | 5.14% | 8.06% | -2.92% | 47th below |
| Deposit Growth (Y/Y) | 1.82% | 7.87% | -6.05% | 28th below |
See First Southern National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Southern National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Southern National Bank profile, how to read a UBPR, or how this data updates.